Capitalize on advanced technology integrations to bring your retirement vision alive.

Managing your 401k/403b should incorporate the research and the science for significant growth and asset protection.


What is a self directed brokerage account?

The ability to ‘self-direct’ investments in company employer plans is becoming increasingly popular today.

A Self-Directed Brokerage Account (SDBA), is a window inside a company-sponsored retirement plan (401(k), 403(b), 457, etc.) which offers plan participants investment options outside of the limited pre-selected company choices.

Access to professional money management and additional investment options allows investors to seek portfolio growth through strategies not commonly available to standard plans. Investors have access to portfolio integration methodologies that seek to maximize returns and mitigate risks.

How does it work for participants?

Company plans that offer a SDBA allow any plan participant the ability to move their assets, tax- and penalty-free, into a brokerage account and choose from a larger selection of investment choices. 

Assets remain in the retirement plan; they are not rolled over and there is no taxable event.

Introducing tactical management and what it can do for a SDBA participant.

Tactical management uses math and science algorithms to track market movements and trends, and removes the emotions from the investing process. Markets are, by their nature, volatile. That volatility deters investors from making rational decisions with their investments and hinders long-term investment goals and returns. Portfolios are designed to capture upward movements and reduce declines.

How can risk management aim to prevent major loss during a market downturn?

Missing the worst days of the market could save investors more than they think; it could save years of catching up. Through fiduciary investment advice and stop loss risk management, we have partnered with Howard Capital Management, to manage participant assets in the account based upon risk-tolerance. The portfolio is adjusted on an as-needed basis. This process removes emotion from the investing process and serves to help participants maximize their retirement goals.

Basic account or Brokerage account

“In a 2014 Financial Engines/AON Hewitt study, the annual median performance gap return between participants that had help and participants that did not have help was 3.32%, net of fees over the period 2006–2012. This difference can have a meaningful impact on wealth accumulation over time. For a 45-year old participant that seeks the help of a financial professional it could translate to 79% more wealth at age 65.3.”



to Determine if You are Eligible to Open a Self-Directed Brokerage Account. 


Once you open your account, you can move assets from your current investments into the brokerage account. 

  • Access to pre-selected investment options chosen by the company
  • Limited or no access to personalized advice
  • Limited or no access to third party active management
  • No stoploss risk management
  • Access to greater investment options, diversification and control over your retirement plan
  • Access to personalized advice
  • Access to third party active management
  • Potential to sidestep bear markets through additional management strategies
  • Proactive asset management
  • Stoploss risk management with the HCM-BuyLine®1, a mathematical, quantitative indicator which signals when to enter and exit the market
  • Selection of proprietary mutual funds designed for each investment strategy
  • Portfolio re-balancing
  • Weekly market updates

Choosing the right retirement goals begins today!